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Change it. If the belt fails, the valves go bang against the pistons, which is a bad thing.
Spec on my Civic is 90,000 miles. Your 98, even though it has the same engine, is spec'd for 105,000. Either way, you're due for a change. I'm at 187,000 so I'm due for my second belt change.
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- - - - -Best 11-mile commute: 105 mpg
- - - - -Best tank: 88.5 mpg / 1133 miles
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